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Take charge of your credit card.

Choose from a rich lineup of rewards with our RewardsFirst MasterCard®, or tackle debt head-on with our RateFirst MasterCard®.

CREDIT CARDS

Choose more rewards or more savings with our no annual fee credit cards.

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CREDIT CARDS AT A GLANCE

RewardsFirst MasterCard® - More Rewards

Earn one point for every dollar spent, with no caps or limits on the number of points you can earn. Points expire three years after earning.

APR

rate as low as 14.90% APR

ANNUAL FEE

$0

RateFirst MasterCard® - More Savings

Lower your monthly payments or help pay off your balances faster with a rate lower credit card than many other banks and credits unions. 3% Balance transfer fee.

APR

rate as low as 12.90% APR

ANNUAL FEE

$0

Credit Card Rewards

RewardsFirst MasterCard®

For the clean slate spender.

Perfect for those who like to take care of their balances each month, a locally serviced RewardsFirst credit card where you earn one point for every dollar spent. Redeem points for:

CASH BACK
Convert your points to cash! Deposit quickly into checking or savings, or conveniently apply it to your credit card balance.
  • $100 cash back for 15,000 points.
TRAVEL

Choose from flights, car rentals, hotels, cruises, vacations and experiences.

  • $100 off any airline flight for 8,000 points.
MERCHANDISE

Score big with laptops, tablets, decor, gifts and more.

GIFT CARDS

Choose from 29 leading restaurants, retailers and more.

  • $100 gift card for 10,000 points
  • $50 gift card for 5,000 points
  • $25 gift card for 3,000 points
DONATE

Give to a local or national charity of your choice using the Charity Choice Network.

Plus, a range of other benefits:

  • No annual fee.
  • No balance transfer fees.
  • No penalty APRs for late payments.
  • A rate as low as 14.90% APR.
  • Same great rate for purchases AND cash advances.
  • Check your transactions and balance online anytime using Verve’s online banking.
  • Make payments using bill pay, automatic payments from your checking account, or at any of our convenient locations.
  • Have peace of mind knowing your card is monitored for unauthorized usage with Omni Shield.
Apply Now

APR = Annual Percentage Rate and is current as of 10/01/2024. Variable APR determined by adding a margin to the Prime rate and ranges from 14.90% – 23.90%. Margin is based on individual creditworthiness and may change in future after periodic credit reviews. Credit card rates, terms, conditions and instant approval based on credit qualifications, account relationship and approval. Unredeemed rewards points expire 36 months after transaction date. Rates, terms, and conditions are subject to change. Membership eligibility required.

View the MasterCard Rate/Reward Credit Card Disclosure and Agreement.

RateFirst MasterCard®

For the master balancer.

A perfect choice when you just want a low rate and a card issued and serviced locally by Verve.

  • One, low rate—always. A perfect choice for those who carry monthly balances. Rate as low as 12.90% APR.
  • No annual fee.
  • 3% Balance transfer fee
  • No penalty APRs for late payments.
  • Same great rate for purchases and cash advances.
  • Check your transactions and balance online anytime using Verve’s online banking.
  • Make payments using bill pay, using automatic payments from your checking account or at any of our convenient locations.
  • Have peace of mind knowing your card is monitored for unauthorized usage with Omni Shield.
Apply Now

APR = Annual Percentage Rate and is current as of 10/01/2024. 0% Introductory APR is on all purchases and balance transfers for the first 12 billing cycles. A 3% balance transfer fee applies. After the promotional period, a variable APR of 12.90% – 21.90% APR is in effect and determined by adding a margin to the current Prime Rate. Margin is based on individual creditworthiness and may change after periodic credit reviews. Credit card rates, terms and conditions, and approval based on credit qualifications and account relationship. Rates and terms and conditions are subject to change. Membership eligibility required.

View the MasterCard Rate/Reward Credit Card Disclosure and Agreement.

Apply for Credit Card